449 Cole Ave, Darby, MT 59829 Property Records

Ravalli County property record for 449 Cole Ave, Darby, MT 59829

Property Summary

Property Type	Rural Improved / Non-Residential
Details	2 bd · 2 ba · 1,650 sqft · built 1945
Lot Size	20.1 acres (879,476 sqft)
Owner	Individual Name on File
Last Sale	$404,000 (Jul 2026)
Tax Bill	$78 (2026)
Deeds & Mortgages	Oct 2026 Line of Credit Jul 2026 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`R1347436`

Property Details

APN / Parcel Number

Primary APN	`R1347436`
Alternative APNs	`13-1176-10-3-01-34-0000` `0001114400`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,650 sqft Total Area
1st Floor Area	1,650 sqft
Basement Area	1,018 sqft
Finished Basement	1,018 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1975
Architectural Style	Historical
Exterior Material	Block
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Metal
Lot Area	879,476 sqft (20.1 acres)
Terrain	Wooded
Parking Spaces	1 Parking Space
Porch	Slab
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Floor/Wall Furnace
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	0001114400
Street Address	449 COLE AVE
City	DARBY
State	MT
Zip	59829-9548
Property Category	Other
Property Type	Other > Rural Improved / Non-Residential
Legal Description	S10, T03 N, R21 W, ACRES 20.19, IN S1/2SE INDEX 52
Legal Range	21W
Legal Township	03N
Legal Section	10
Legal Subdivision	DARBY ESTATES
Jurisdiction	RAVALLI MT
Township / Civil Division	DARBY
Census Block Group	1
Census Block	1125
Census Tract	700

Owner

449 Cole Ave is owned by an individual who bought it in July 2026.

Source: Ravalli County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 753, DARBY, MT 59829-0753
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2026	Deed of Trust, Mortgage · Line of Credit CAPITAL ADVISORS
Jul 24, 2026	Warranty Deed, Transfer · Conventional Mortgage TRAILWEST BANK
May 13, 2026	Deed of Trust, Mortgage · Construction Mortgage TRAILWEST BANK
May 7, 2026	Deed of Trust, Mortgage · Construction Mortgage TRAILWEST BANK
Mar 8, 2024	Deed of Trust, Mortgage · Construction Mortgage FARMERS STATE BANK
Feb 27, 2026	Warranty Deed, Transfer · Closed-End Mortgage TRAILWEST BANK
Feb 25, 2026	Warranty Deed, Transfer
Mar 29, 2023	Re-recorded Document FIDELITY NATIONAL TITLE
Mar 21, 2023	Warranty Deed, Transfer ARTEMIS REALTY CAPITAL ADVISORS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 24, 2026 · Amount on File
Deed Sale	Jul 24, 2026 · Amount on File
Prior Sale	Feb 27, 2026
Deed Document Number	2026817445
Prior Transfer Date	Mar 20, 2023
Prior Transfer Doc	0000785162
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAVALLI MT
Recording Date	Oct 8, 2026
Property Address	449 COLE AVE, DARBY, MT 59829-9548
Document Number	0000819599
Instrument Date	Oct 6, 2026
Instrument	2026819599
Transaction Type	Mortgage
Record Updated	Oct 20, 2026
Title Company	RAVENSWOOD TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	2871 EASTSIDE HWY, STEVENSVILLE, MT 59870-6956

Mortgage

Document Number	0000819599,
Date	Oct 8, 2026
Instrument	2026819599

Lender

Name	CAPITAL ADVISORS

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Max Rate	-1%

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAVALLI MT
Recording Date	Jul 24, 2026
Property Address	449 COLE AVE, DARBY, MT 59829-9548
Document Number	0000817445
Instrument Date	Jul 24, 2026
Instrument	2026817445
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SERVI

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000817445,
Date	Jul 24, 2026
Instrument	2026817445

Lender

Name	TRAILWEST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAVALLI MT
Recording Date	May 13, 2026
Property Address	449 COLE AVE, DARBY, MT 59829-9548
Document Number	0000815295
Instrument Date	May 13, 2026
Instrument	2026815295
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	370 SHADY BROOK DR, PINESDALE, MT 59841

Mortgage

Document Number	0000815295,
Date	May 13, 2026
Instrument	2026815295

Lender

Name	TRAILWEST BANK

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	18 Months
Due	Nov 13, 2027

Interest

Rate	6.3%
Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAVALLI MT
Recording Date	May 7, 2026
Property Address	449 COLE AVE, DARBY, MT 59829-9548
Document Number	0000815133
Instrument Date	May 6, 2026
Instrument	2026815133
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	RAVENSWOOD TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205

Mortgage

Document Number	0000815133,
Date	May 7, 2026
Instrument	2026815133

Lender

Name	TRAILWEST BANK

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	May 6, 2027

Interest

Rate	6.37%
Max Rate	-1%

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAVALLI MT
Property Address	449 COLE AVE, DARBY, MT 59829-9548
Transaction Type	Mortgage
Record Updated	Mar 16, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 BILTMORE EST, PHOENIX, AZ 85016-2822

Mortgage

Document Number	0000794401
Date	Mar 8, 2024
Instrument	794401

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	VICTOR, MT 59875

Agreement

Type	Construction Mortgage
Amount	Amount on Record

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAVALLI MT
Recording Date	Feb 27, 2026
Property Address	449 COLE AVE, DARBY, MT 59829-9548
Document Number	0000813028
Instrument Date	Feb 27, 2026
Instrument	813028
Transaction Type	Transfer
Record Updated	Mar 16, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	PO BOX 410096, PINESDALE, MT 59841-0096

Mortgage

Document Number	0000813029
Date	Feb 27, 2026
Instrument	813029

Lender

Name	TRAILWEST BANK
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	240 Months
Due	Feb 27, 2046

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAVALLI MT
Recording Date	Feb 25, 2026
Property Address	449 COLE AVE, DARBY, MT 59829-9548
Document Number	0000812920
Instrument Date	Feb 24, 2026
Instrument	812920
Transaction Type	Transfer
Record Updated	Mar 16, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3573 EASTSIDE HWY, STEVENSVILLE, MT 59870-6672

March 2023: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	RAVALLI MT
Recording Date	Mar 29, 2023
Property Address	449 COLE AVE, DARBY, MT 59829
Document Number	0000785162
Instrument Date	Mar 20, 2023
Instrument	785162
Record Updated	Sep 7, 2023
Title Company	FIDELITY NATIONAL TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 BILTMORE EST, PHOENIX, AZ 85016-2822

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RAVALLI MT
Recording Date	Mar 21, 2023
Property Address	449 COLE AVE, DARBY, MT 59829
Document Number	0000784946
Instrument Date	Mar 20, 2023
Instrument	784946
Transaction Type	Transfer
Record Updated	Sep 7, 2023
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 BILTMORE EST, PHOENIX, AZ 85016-2822

Mortgage

Document Number	0000784947
Date	Mar 21, 2023
Instrument	784947

Lender

Name	ARTEMIS REALTY CAPITAL ADVISORS LLC
Type	Non-Lending Institution

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 449 Cole Ave was $78, up 6.8% from the year before.

Source: Ravalli County assessment roll, as of September 11, 2026

Property Jurisdictions

Type	Name
State	Montana
County	Ravalli County
Municipality	Darby Town
Unified School District	Darby K-12 Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$78.00 (+6.85%)	$1,227 (-)
2025	$73.00	$1,227	$1,227 Land $1,227
2023	$1,268.00	$229,353	$229,353 Land $6,533 Building $222,820

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 449 Cole Ave in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1997.

Source: FEMA National Flood Hazard Layer, effective November 16, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	5 (1997–2021)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Feb 2021 · other causes
Claims by Event	Severe Storms,ice Jams, Snow Melt, Flooding, May 1997 · 3 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 449 Cole Ave is very high, ranking above 91% of the US, with a 2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Very High above 91% of the US · above 91% of Montana
Wildfire Likelihood	2% annual chance
Exposure	Direct burnable vegetation

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blackfoot Telephone Cooperative Fiber	1,000 / 500

Cell Coverage

5G (outdoors only) and 4G LTE

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